XML 72 R32.htm IDEA: XBRL DOCUMENT v3.20.1
Note 3 - Loans Receivable and Related Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2019
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(Dollar amounts in thousands)
  
December 31, 2019
    
December 31, 2018
  
Mortgage loans on real estate:
      
 
      
 
Residential first mortgages
   $
293,170
     $
295,405
  
Home equity loans and lines of credit
    
97,541
      
103,752
  
Commercial real estate
    
229,951
      
238,734
  
Total real estate loans
    
620,662
      
637,891
  
Other loans:
      
 
      
 
Commercial business
    
66,603
      
66,009
  
Consumer
    
14,639
      
11,272
  
Total other loans
    
81,242
      
77,281
  
Total loans, gross
    
701,904
      
715,172
  
Less allowance for loan losses
    
6,556
      
6,508
  
Total loans, net
   $
695,348
     $
708,664
  
Financing Receivable, Allowance for Credit Loss [Table Text Block]
(Dollar amounts in thousands)
  
2019
  
2018
Balance at the beginning of the year
   $
6,508
 
   $
6,127
 
Provision for loan losses
    
715
 
    
1,280
 
Charge-offs
    
(913
)
    
(989
)
Recoveries
    
246
 
    
90
 
Balance at the end of the year
   $
6,556
 
   $
6,508
 
     
 
    
Home Equity
      
 
      
 
      
 
      
 
  
   
Residential
    
& Lines
    
Commercial
    
Commercial
      
 
      
 
  
(Dollar amounts in thousands)
  
Mortgages
    
of Credit
    
Real Estate
    
Business
    
Consumer
    
Total
  
December 31, 2019:
      
 
      
 
      
 
      
 
      
 
      
 
Beginning Balance
   $
2,198
     $
648
     $
3,106
     $
500
     $
56
     $
6,508
  
Charge-offs
    
(227
 )    
(61
 )    
(242
 )    
(250
 )    
(133
 )    
(913
 )
Recoveries
    
40
      
6
      
134
      
—
      
66
      
246
  
Provision
    
298
      
33
      
(100
 )    
386
      
98
      
715
  
Ending Balance
   $
2,309
     $
626
     $
2,898
     $
636
     $
87
     $
6,556
  
                                                 
Ending ALL balance attributable to loans:
                                                
Individually evaluated for impairment
   $
5
     $
—
     $
—
     $
—
     $
—
     $
5
  
Acquired loans collectively evaluated for impairment
    
—
      
—
      
—
      
—
      
—
      
—
  
Originated loans collectively evaluated for impairment
    
2,304
      
626
      
2,898
      
636
      
87
      
6,551
  
Total
   $
2,309
     $
626
     $
2,898
     $
636
     $
87
     $
6,556
  
                                                 
Total loans:
                                                
Individually evaluated for impairment
   $
358
     $
4
     $
81
     $
40
     $
—
     $
483
  
Acquired loans collectively evaluated for impairment
    
60,523
      
10,901
      
41,993
      
7,930
      
1,982
      
123,329
  
Originated loans collectively evaluated for impairment
    
232,289
      
86,636
      
187,877
      
58,633
      
12,657
      
578,092
  
Total
   $
293,170
     $
97,541
     $
229,951
     $
66,603
     $
14,639
     $
701,904
  
                                                 
At December 31, 2018:
      
 
      
 
      
 
      
 
      
 
      
 
Beginning Balance
   $
2,090
     $
646
     $
2,753
     $
585
     $
53
     $
6,127
  
Charge-offs
    
(71
 )    
(155
 )    
(484
 )    
—
      
(279
 )    
(989
 )
Recoveries
    
3
      
14
      
48
      
1
      
24
      
90
  
Provision
    
176
      
143
      
789
      
(86
 )    
258
      
1,280
  
Ending Balance
   $
2,198
     $
648
     $
3,106
     $
500
     $
56
     $
6,508
  
                                                 
Ending ALL balance attributable to loans:
                                                
Individually evaluated for impairment
   $
12
     $
—
     $
—
     $
—
     $
—
     $
12
  
Acquired loans collectively evaluated for impairment
    
—
      
—
      
—
      
—
      
—
      
—
  
Originated loans collectively evaluated for impairment
    
2,186
      
648
      
3,106
      
500
      
56
      
6,496
  
Total
   $
2,198
     $
648
     $
3,106
     $
500
     $
56
     $
6,508
  
                                                 
Total loans:
                                                
Individually evaluated for impairment
   $
389
     $
6
     $
34
     $
39
     $
—
     $
468
  
Acquired loans collectively evaluated for impairment
    
72,654
      
13,750
      
56,690
      
12,974
      
3,306
      
159,374
  
Originated loans collectively evaluated for impairment
    
222,362
      
89,996
      
182,010
      
52,996
      
7,966
      
555,330
  
Total
   $
295,405
     $
103,752
     $
238,734
     $
66,009
     $
11,272
     $
715,172
  
                                                 
Impaired Financing Receivables [Table Text Block]
(Dollar amounts in thousands)
                                                
   
Impaired Loans with Specific Allowance
  
   
As of December 31, 2019
    
For the year ended December 31, 2019
  
   
Unpaid Principal Balance
    
Recorded Investment
    
Related Allowance
    
Average Recorded Investment
    
Interest Income Recognized in Period
    
Cash Basis Interest Recognized in Period
  
Residential first mortgages
   $
72
     $
72
     $
5
     $
72
     $
3
     $
3
  
Home equity and lines of credit
    
4
      
4
      
—
      
5
      
—
      
—
  
Commercial real estate
    
—
      
—
      
—
      
—
      
—
      
—
  
Commercial business
    
—
      
—
      
—
      
—
      
—
      
—
  
Consumer
    
—
      
—
      
—
      
—
      
—
      
—
  
Total
   $
76
     $
76
     $
5
     $
77
     $
3
     $
3
  
   
Impaired Loans with No Specific Allowance
  
   
As of December 31, 2019
    
For the year ended December 31, 2019
  
   
Unpaid Principal Balance
    
Recorded Investment
    
Average Recorded Investment
    
Interest Income Recognized in Period
    
Cash Basis Interest Recognized in Period
  
Residential first mortgages
   $
398
     $
286
     $
301
     $
4
     $
4
  
Home equity and lines of credit
    
—
      
—
      
—
      
—
      
—
  
Commercial real estate
    
81
      
81
      
1,019
      
88
      
35
  
Commercial business
    
40
      
40
      
79
      
7
      
2
  
Consumer
    
—
      
—
      
—
      
—
      
—
  
Total
   $
519
     $
407
     $
1,399
     $
99
     $
41
  
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
      
 
   
Impaired Loans with Specific Allowance
  
   
As of December 31, 2018
    
For the year ended December 31, 2018
  
   
Unpaid Principal Balance
    
Recorded Investment
    
Related Allowance
    
Average Recorded Investment
    
Interest Income Recognized in Period
    
Cash Basis Interest Recognized in Period
  
Residential first mortgages
   $
74
     $
74
     $
12
     $
74
     $
2
     $
2
  
Home equity and lines of credit
    
6
      
6
      
—
      
7
      
—
      
—
  
Commercial real estate
    
—
      
—
      
—
      
—
      
—
      
—
  
Commercial business
    
—
      
—
      
—
      
—
      
—
      
—
  
Consumer
    
—
      
—
      
—
      
—
      
—
      
—
  
Total
   $
80
     $
80
     $
12
     $
81
     $
2
     $
2
  
   
Impaired Loans with No Specific Allowance
  
   
As of December 31, 2018
    
For the year ended December 31, 2018
  
   
Unpaid Principal Balance
    
Recorded Investment
    
Average Recorded Investment
    
Interest Income Recognized in Period
    
Cash Basis Interest Recognized in Period
  
Residential first mortgages
   $
427
     $
315
     $
334
     $
5
     $
5
  
Home equity and lines of credit
    
—
      
—
      
—
      
—
      
—
  
Commercial real estate
    
34
      
34
      
768
      
156
      
73
  
Commercial business
    
39
      
39
      
248
      
74
      
74
  
Consumer
    
—
      
—
      
—
      
—
      
—
  
Total
   $
500
     $
388
     $
1,350
     $
235
     $
152
  
Financing Receivable Credit Quality Indicators [Table Text Block]
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
      
 
   
Not Rated
    
Pass
    
Special Mention
    
Substandard
    
Doubtful
    
Total
  
December 31, 2019:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
291,843
     $
—
     $
—
     $
1,327
     $
—
     $
293,170
  
Home equity and lines of credit
    
97,087
      
—
      
—
      
454
      
—
      
97,541
  
Commercial real estate
    
—
      
216,744
      
5,370
      
7,837
      
—
      
229,951
  
Commercial business
    
—
      
64,636
      
204
      
1,763
      
—
      
66,603
  
Consumer
    
14,557
      
—
      
—
      
82
      
—
      
14,639
  
Total loans
   $
403,487
     $
281,380
     $
5,574
     $
11,463
     $
—
     $
701,904
  
                                                 
December 31, 2018:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
293,919
     $
—
     $
—
     $
1,486
     $
—
     $
295,405
  
Home equity and lines of credit
    
102,869
      
—
      
—
      
883
      
—
      
103,752
  
Commercial real estate
    
—
      
222,335
      
5,942
      
10,457
      
—
      
238,734
  
Commercial business
    
—
      
62,022
      
542
      
3,445
      
—
      
66,009
  
Consumer
    
11,157
      
—
      
—
      
115
      
—
      
11,272
  
Total loans
   $
407,945
     $
284,357
     $
6,484
     $
16,386
     $
—
     $
715,172
  
Financing Receivable, Past Due [Table Text Block]
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
      
 
   
Performing
    
Nonperforming
      
 
  
   
Accruing Loans Not Past Due
    
Accruing 30-59 Days Past Due
    
Accruing 60-89 Days Past Due
    
Accruing 90+ Days Past Due
    
Nonaccrual
    
Total
  
December 31, 2019:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
288,462
     $
2,405
     $
1,039
     $
309
     $
955
     $
293,170
  
Home equity and lines of credit
    
95,923
      
626
      
553
      
11
      
428
      
97,541
  
Commercial real estate
    
226,360
      
2,141
      
543
      
—
      
907
      
229,951
  
Commercial business
    
66,091
      
225
      
72
      
—
      
215
      
66,603
  
Consumer
    
14,458
      
84
      
15
      
—
      
82
      
14,639
  
Total loans
   $
691,294
     $
5,481
     $
2,222
     $
320
     $
2,587
     $
701,904
  
                                                 
December 31, 2018:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
289,732
     $
3,586
     $
747
     $
485
     $
855
     $
295,405
  
Home equity and lines of credit
    
101,920
      
707
      
351
      
287
      
487
      
103,752
  
Commercial real estate
    
232,865
      
5,013
      
231
      
19
      
606
      
238,734
  
Commercial business
    
65,538
      
50
      
247
      
—
      
174
      
66,009
  
Consumer
    
10,961
      
160
      
36
      
—
      
115
      
11,272
  
Total loans
   $
701,016
     $
9,516
     $
1,612
     $
791
     $
2,237
     $
715,172
  
Financing Receivable, Nonaccrual [Table Text Block]
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
   
Not Past Due
    
30-59 Days Past Due
    
60-89 Days Past Due
    
90 Days + Past Due
    
Total
  
December 31, 2019:
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
245
     $
—
     $
72
     $
638
     $
955
  
Home equity and lines of credit
    
4
      
—
      
—
      
424
      
428
  
Commercial real estate
    
28
      
309
      
31
      
539
      
907
  
Commercial business
    
—
      
—
      
175
      
40
      
215
  
Consumer
    
—
      
—
      
—
      
82
      
82
  
Total loans
   $
277
     $
309
     $
278
     $
1,723
     $
2,587
  
                                         
December 31, 2018:
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
335
     $
—
     $
74
     $
446
     $
855
  
Home equity and lines of credit
    
6
      
—
      
—
      
481
      
487
  
Commercial real estate
    
111
      
265
      
—
      
230
      
606
  
Commercial business
    
—
      
—
      
39
      
135
      
174
  
Consumer
    
—
      
—
      
—
      
115
      
115
  
Total loans
   $
452
     $
265
     $
113
     $
1,407
     $
2,237